If anything Capital One is the greatest Credit Card I have ever had.
I have the No Annual free + Low interest card. My rate for the last 6 months has been 3.15%.
I fail to see how a Credit Card can be classified as a "scam"
No one put a gun to your head and told you to get one. Read
the Terms and Conditions in advance to avoid the headaches.
Some of the RFD'ers are right, if you can't afford something in cash,
then you shouldn't be buying on credit. (Exception for Cars, Houses, Small Caribbean Islands)